At our first meeting, we go over the properties that meet your parameters, and set appointments to see them. Most are on a key safe, which is activated by my electronic key. I will also be pleased to show you new subdivision homes as well.

Once you have selected a home, we need to look at comparable sales in the area, to be certain that the value is there.

When we feel confident that the listing price reflects the value of the home, we may proceed to write a Purchase
Contract and Receipt. This contract is nine pages, and covers receipt of the earnest money, the purchase price, financing, title and escrow, disclosures, inspections and warranties, remedies, additional terms and conditions, and a date and
time the Seller must accept the offer, or submit a Counter-Offer.

I go over this Offer very carefully, so you understand each section.

It is wise to perform a pre-qualification with a lender, so you know exactly how much money you can spend. When you are ready to write an
offer to purchase, this pre-qualification accompanies the offer. I will be happy to provide a list of lenders for your perusal. The lender you select will fax us a Good Faith Estimate, so you know from the onset what your loan costs will
be.

Optional is a Home Warranty policy, which covers items such as plumbing, water heater, electrical system, ceiling fans, heating and cooling systems, garage door openers, dishwasher, etc. During the first year of occupancy, if something
needs to be repaired or replaced, there is a $35 deductible for each item. This policy may also be renewed at the end of the year. This additional insurance gives a Buyer peace of mind, and can be well worth the money.

Upon acceptance of an offer to purchase, I encourage my Buyers to do several things:

Begin the loan process immediately (I will FAX a copy of the offer to your lender).

Optional, highly recommended: Obtain a home inspection (I will have a list of inspectors).

Make inquiry about homeowners insurance, as the premium may be based on how many claims have been made on the property, how many claims you have
personally made, how close the home is to a fire hydrant, etc.

Contact your accountant, as this move may have some tax breaks.

Once we have an accepted offer, and open escrow, the title company goes to work. It holds the Buyer's earnest money,
performs a title search, prorates taxes, insurance, homeowner association fees (if applicable), provides you with clear title documentation, draws up the documents per the contract, provides you with a settlement statement which defines
exactly how funds will be spent, records the deed and loan documents, delivers the deed to the Buyer, returns the loan documents to the lender, and distributes the funds at closing.

The title company charges a fee for this work, and it is usually split between the Buyer and Seller. It is a fairly nominal fee;
for instance on a $200,000 home, the fee is approximately $330.00 charged at $165.00 to Buyer and $165.00 to the Seller.

If you are here for the closing, I will be happy to be in attendance. If you are out of the area at closing, all documentation may be signed and notarized,
and sent back to the title company.

Since you will be new to the area, I will drive you to each utility company to get your utilities either turned on, or if already on, have the
meter read, and the account changed into your name.

Please feel free to contact me at any time. I am here to help you in any way I can. You will love Arizona, and
particularly the Sedona/Verde Valley area.